# First Financial Bankshares competitors: and the alternatives

Source: https://www.bankingnewsai.com/banks/first-financial-bankshares/competitors
Last updated: Oct 19, 2026

*Part of the [First Financial Bankshares AI strategy profile](https://www.bankingnewsai.com/banks/first-financial-bankshares). Peer group: Prosperity Bancshares, Cullen/Frost Bankers, Texas Capital Bancshares, Hilltop Holdings, Home BancShares (Centennial Bank), Glacier Bancorp, First United Bank & Trust (Spend Life Wisely Company), Simmons First National Corporation.*

## Who are First Financial Bankshares's competitors, and what are the alternatives?

First Financial Bankshares' 2025 10-K, filed February 25, 2026, says commercial banking in Texas is highly competitive and that, with less than 1% of the state's deposits, it is a small part of the market. Its bank regions compete with banks, thrifts, small loan companies, credit unions, mortgage companies, insurers, fintech and brokerage firms, some larger than it. It operates only in Texas, with 79 financial centers at the end of 2025, mainly in Central, North Central, Southeast and West Texas. In those markets the biggest named rival is Prosperity, whose 283 locations include 45 in West Texas, among them Abilene, First Financial's home. Frost planned about 15 new Texas branches for 2026. Home BancShares runs 59 Texas branches. Glacier entered Texas through Guaranty, adding 33 locations in 26 communities. Hilltop's PlainsCapital Bank conducts substantially all its banking in Texas. First Financial's own 2025 investor presentation names thirteen Texas rivals, four of which (Stellar, Guaranty, Veritex and Comerica) have since been sold or agreed to sell. In mortgages, Hilltop's PrimeLending originates 30.2% of its volume from Texas. The 10-K also names asset-based non-bank lenders and money market funds, and fintech is the clearest non-bank rival for everyday deposits. Chime had 10.4 million active members in June 2026. First Financial's own answer is local service: its 10-K says competition is less intense in smaller markets, where it chooses to operate. ([First Financial Bankshares (SEC filing)](https://www.sec.gov/Archives/edgar/data/36029/000119312526071549/ffin-20251231.htm), [Prosperity Bancshares (SEC filings)](https://www.sec.gov/Archives/edgar/data/1068851/000119312526077437/pb-20251231.htm), [Banking Dive](https://www.bankingdive.com/news/frost-bank-texas-growth-mergers-acquisitions-fifth-third-huntington/811110/), [Home BancShares (GlobeNewswire via Yahoo Finance)](https://finance.yahoo.com/markets/stocks/articles/home-bancshares-inc-announces-completion-121500941.html), [Glacier Bancorp (GlobeNewswire)](https://globenewswire.com/news-release/2025/10/01/3159604/21011/en/Glacier-Bancorp-Completes-Acquisition-of-Guaranty-Bancshares-Inc-in-Mount-Pleasant-Texas.html), [Hilltop Holdings (SEC filing)](https://www.sec.gov/Archives/edgar/data/1265131/000110465926015264/hth-20251231x10k.htm), [First Financial Bankshares](https://ffin.com/getContentAsset/ec32f562-b4c0-4f29-a7ae-93d6b2f9cde2/79aed02a-f53a-4b45-a005-7f7876d29103/Investor-Presentation-1st-QTR-2025-FINAL.pdf?language=es-MX), [Chime](https://investors.chime.com/news-releases/news-release-details/chime-reports-second-quarter-2026-financial-results))

## What does First Financial Bankshares say about its competition?

"Commercial banking in Texas is highly competitive, and because we hold less than 1% of the state's deposits, we represent a smaller segment of the market share in Texas. To succeed in this industry, we believe that we must have the capability to compete effectively in the areas of interest rates paid or charged, scope of services offered, prices charged for such services, and personalized customer service delivered at the local level. Our bank regions compete in their respective service areas against highly competitive banks, thrifts, savings and loan associations, small loan companies, credit unions, mortgage companies, insurance companies, Fintech, and brokerage firms, all of which are engaged in providing financial products and services and some of which are larger than us in terms of capital, resources and personnel." ([First Financial Bankshares (SEC filing)](https://www.sec.gov/Archives/edgar/data/36029/000119312526071549/ffin-20251231.htm))

From the risk factors of the same 10-K: "We compete with many larger financial institutions which have substantially greater financial resources than we have. Competition among financial institutions in Texas is intense. We compete with other bank holding companies, state and national commercial banks, savings and loan associations, consumer financial companies, credit unions, securities brokers, insurance companies, mortgage banking companies, money market mutual funds, asset-based non-bank lenders and other non-bank financial institutions. Many of these competitors have substantially greater financial resources, larger lending limits, larger branch networks, enhanced technology and less regulatory oversight than we do, and are able to offer a broader range of products and services than we can." ([First Financial Bankshares (SEC filing)](https://www.sec.gov/Archives/edgar/data/36029/000119312526071549/ffin-20251231.htm))

On where it chooses to compete: "In many instances, banking competition is less intense in smaller markets, making it easier for us to operate rationally and attract and retain high-caliber employees who prefer not only our community-bank concept but the high quality of life in smaller cities." (2025 Form 10-K, filed February 25, 2026.) ([First Financial Bankshares (SEC filing)](https://www.sec.gov/Archives/edgar/data/36029/000119312526071549/ffin-20251231.htm))

## Who competes with First Financial Bankshares in each of its businesses?

| Business line | Competitor | Type | Why it competes |
| --- | --- | --- | --- |
| Home region: Central, North Central, Southeast and West Texas | [Prosperity Bancshares](https://www.bankingnewsai.com/banks/prosperity) | Bank | Prosperity's 2025 10-K lists 283 banking locations, including 45 in West Texas covering Lubbock, Midland-Odessa, Abilene, Amarillo and Wichita Falls and 15 in Bryan/College Station, both First Financial markets; its $2 billion Stellar merger would create the second-biggest Texas-headquartered bank. ([Prosperity Bancshares (SEC filings)](https://www.sec.gov/Archives/edgar/data/1068851/000119312526077437/pb-20251231.htm), [American Banker](https://www.americanbanker.com/news/prosperity-to-acquire-rival-houston-bank-in-2-billion-deal), [First Financial Bankshares (SEC filing)](https://www.sec.gov/Archives/edgar/data/36029/000119312526071549/ffin-20251231.htm)) |
| Home region: Central, North Central, Southeast and West Texas | [Cullen/Frost Bankers](https://www.bankingnewsai.com/banks/frost) | Bank | Frost planned about 15 new Texas branches and 150 hires for 2026, targeting customers of rivals disrupted by mergers, as First Financial opens its first full-service Austin-area branch. ([Banking Dive](https://www.bankingdive.com/news/frost-bank-texas-growth-mergers-acquisitions-fifth-third-huntington/811110/), [First Financial Bankshares (PR Newswire)](https://www.prnewswire.com/news-releases/first-financial-bank-to-open-first-full-service-branch-in-austin-area-with-new-bee-cave-branch-302893317.html)) |
| Home region: Central, North Central, Southeast and West Texas | [Home BancShares (Centennial Bank)](https://www.bankingnewsai.com/banks/home-bancshares) | Bank | Centennial ran 59 Texas branches among 226 after the Mountain Commerce close in April 2026, and its chairman calls Texas one of the three best states in the nation. ([Home BancShares (GlobeNewswire via Yahoo Finance)](https://finance.yahoo.com/markets/stocks/articles/home-bancshares-inc-announces-completion-121500941.html), [American Banker](https://americanbanker.com/news/home-ends-dry-spell-with-150m-deal-for-tennessee-bank)) |
| Home region: Central, North Central, Southeast and West Texas | [Glacier Bancorp (Guaranty Bank & Trust)](https://www.bankingnewsai.com/banks/glacier) | Bank | Glacier entered Texas by buying Guaranty Bancshares, adding 33 locations across 26 Texas communities on October 1, 2025, and grew Texas loans more than 6% in the quarter of its core conversion. ([Glacier Bancorp (GlobeNewswire)](https://globenewswire.com/news-release/2025/10/01/3159604/21011/en/Glacier-Bancorp-Completes-Acquisition-of-Guaranty-Bancshares-Inc-in-Mount-Pleasant-Texas.html), [earnings call transcript (The Motley Fool)](https://fool.com/earnings/call-transcripts/2026/04/24/glacier-bancorp-gbci-q1-2026-earnings-transcript)) |
| Home region: Central, North Central, Southeast and West Texas | [Hilltop Holdings (PlainsCapital Bank)](https://www.bankingnewsai.com/banks/hilltop) | Bank | Hilltop's 10-K says PlainsCapital Bank conducts substantially all of its banking operations in Texas. ([Hilltop Holdings (SEC filing)](https://www.sec.gov/Archives/edgar/data/1265131/000110465926015264/hth-20251231x10k.htm)) |
| Home region: Central, North Central, Southeast and West Texas | [Simmons Bank](https://www.bankingnewsai.com/banks/simmons) | Bank | Simmons conducts operations from about 222 financial centers in Arkansas, Kansas, Missouri, Oklahoma, Tennessee and Texas, and its CEO has argued that technology investment favors banks with scale. ([Simmons First National (SEC filings)](https://www.sec.gov/Archives/edgar/data/90498/000162828026011618/sfnc-20251231.htm), [Dallas Business Journal](https://bizjournals.com/dallas/news/2026/02/13/bank-leaders-north-texas-capital-talent.html)) |
| Commercial lending | [Texas Capital](https://www.bankingnewsai.com/banks/texas-capital) | Bank | A Dallas commercial bank that says its cloud-native technology infrastructure lets it onboard clients as fast as any firm in the nation; First Financial's 10-K says larger competitors have greater lending limits and enhanced technology. ([Texas Capital](https://texascapitalbank.com/insights/look-ahead-rob-c-holmes-2026), [First Financial Bankshares (SEC filing)](https://www.sec.gov/Archives/edgar/data/36029/000119312526071549/ffin-20251231.htm)) |
| Commercial lending | Asset-based non-bank lenders | Non-bank lender | Named in First Financial's 10-K among the competitors that may have larger lending limits and less regulatory oversight. ([First Financial Bankshares (SEC filing)](https://www.sec.gov/Archives/edgar/data/36029/000119312526071549/ffin-20251231.htm)) |
| Commercial lending | Small loan companies and consumer finance companies | Non-bank lender | First Financial's 10-K names small loan companies and consumer financial companies among the competitors its bank regions meet. ([First Financial Bankshares (SEC filing)](https://www.sec.gov/Archives/edgar/data/36029/000119312526071549/ffin-20251231.htm)) |
| Mortgage lending | [PrimeLending (Hilltop)](https://www.bankingnewsai.com/banks/hilltop) | Bank | Hilltop's mortgage arm operates from over 170 locations in 46 states and originated 30.2% of its 2025 dollar volume from Texas locations. ([Hilltop Holdings (SEC filing)](https://www.sec.gov/Archives/edgar/data/1265131/000110465926015264/hth-20251231x10k.htm)) |
| Mortgage lending | Mortgage banking companies | Non-bank lender | First Financial's 10-K names mortgage companies and mortgage banking companies among its competitors. ([First Financial Bankshares (SEC filing)](https://www.sec.gov/Archives/edgar/data/36029/000119312526071549/ffin-20251231.htm)) |
| Retail deposits and everyday banking | Credit unions | Credit union | Named in First Financial's 10-K among the competitors its bank regions face in their service areas. ([First Financial Bankshares (SEC filing)](https://www.sec.gov/Archives/edgar/data/36029/000119312526071549/ffin-20251231.htm)) |
| Retail deposits and everyday banking | [Chime](https://www.bankingnewsai.com/fintech/chime) | Fintech | First Financial's 10-K lists fintech among its competitors; Chime had 10.4 million active members at June 30, 2026 and its 10-K claims a cost advantage over traditional banks from avoiding branches. ([First Financial Bankshares (SEC filing)](https://www.sec.gov/Archives/edgar/data/36029/000119312526071549/ffin-20251231.htm), [Chime](https://investors.chime.com/news-releases/news-release-details/chime-reports-second-quarter-2026-financial-results), [Chime via SEC EDGAR](https://www.sec.gov/Archives/edgar/data/1795586/000179558626000013/chym-20251231.htm)) |
| Retail deposits and everyday banking | [JPMorgan Chase](https://www.bankingnewsai.com/banks/jpmorgan-chase) | Bank | One of the larger competitors with 'larger branch networks' and 'enhanced technology' that First Financial's 10-K describes; Chase reported 5,083 branches and 74.6 million active digital customers in 2025. ([First Financial Bankshares (SEC filing)](https://www.sec.gov/Archives/edgar/data/36029/000119312526071549/ffin-20251231.htm), [JPMorgan Chase & Co. (SEC filings)](https://www.sec.gov/Archives/edgar/data/19617/000162828026008131/jpm-20251231.htm)) |
| Retail deposits and everyday banking | Money market mutual funds | Broker or asset manager | Named in First Financial's 10-K among its competitors for deposits and other banking customers. ([First Financial Bankshares (SEC filing)](https://www.sec.gov/Archives/edgar/data/36029/000119312526071549/ffin-20251231.htm)) |
| Trust and wealth management | [Frost Investment Services and Frost wealth](https://www.bankingnewsai.com/banks/frost) | Bank | Frost's investment adviser, Frost Investment Services, disclosed in March 2026 that it makes limited use of AI tools for internal research and administration, not for investment decisions. First Financial's trust company has nine Texas locations, from Abilene to Houston. ([Frost Bank](https://www.frostbank.com/FormADVPart2A), [First Financial Bankshares (SEC filing)](https://www.sec.gov/Archives/edgar/data/36029/000119312526071549/ffin-20251231.htm)) |
| Trust and wealth management | Securities brokers | Broker or asset manager | Named in First Financial's 10-K among its competitors; First Financial itself offers brokerage only through a third-party arrangement in its Abilene and San Angelo regions. ([First Financial Bankshares (SEC filing)](https://www.sec.gov/Archives/edgar/data/36029/000119312526071549/ffin-20251231.htm)) |

## How do the AI and digital offerings of First Financial Bankshares's competitors compare?

First Financial Bankshares first, then each competitor. Use-case counts, index scores and latest moves are computed from our profiles of each company; "No profile" means this site has no page on it yet.

| Company | AI or digital offering | On the record (our profiles) | Latest dated AI move |
| --- | --- | --- | --- |
| [First Financial Bankshares (this page)](https://www.bankingnewsai.com/banks/first-financial-bankshares) | Not disclosed | [Index 0.9 (#120); 1 use cases, 0 in production](https://www.bankingnewsai.com/banks/first-financial-bankshares) | First full-service Austin-area branch (Sep 29, 2026) ([First Financial Bankshares (PR Newswire)](https://www.prnewswire.com/news-releases/first-financial-bank-to-open-first-full-service-branch-in-austin-area-with-new-bee-cave-branch-302893317.html)) |
| [Prosperity Bancshares](https://www.bankingnewsai.com/banks/prosperity) | Real-time core system, converted February 2026 ([Yahoo Finance](https://finance.yahoo.com/markets/stocks/articles/prosperity-bancshares-pb-q2-2026-004414452.html)) | [Index 40 (#71); 8 use cases, 4 in production](https://www.bankingnewsai.com/banks/prosperity) | Q2 2026 10-Q repeats the AI risk bullet (Aug 6, 2026) ([Prosperity Bancshares (SEC filings)](https://www.sec.gov/Archives/edgar/data/1068851/000119312526338254/pb-20260630.htm)) |
| [Cullen/Frost Bankers](https://www.bankingnewsai.com/banks/frost) | Blend digital account opening (80% completion); LivePerson AI co-pilot in the contact center ([Business Wire via FT Markets](https://markets.ft.com/data/announce/full?dockey=600-202608180800BIZWIRE_USPRX____20260818_BW315276-1), [Bank Automation News](https://bankautomationnews.com/allposts/ai/inside-look-frost-banks-ai-and-payments-strategy)) | [Index 49.3 (#58); 9 use cases, 7 in production](https://www.bankingnewsai.com/banks/frost) | Blend 'Ecosystem Expander' award (Aug 27, 2026) ([Business Wire via Yahoo Finance](https://finance.yahoo.com/small-business/articles/blend-honors-seven-customers-best-200000530.html)) |
| [Home BancShares (Centennial Bank)](https://www.bankingnewsai.com/banks/home-bancshares) | Not disclosed | [Index 3.5 (#108); 10 use cases, 7 in production](https://www.bankingnewsai.com/banks/home-bancshares) | Q3 2026 call: Mountain Commerce conversion set for 6 November (Oct 15, 2026) ([earnings call transcript (The Motley Fool)](https://www.fool.com/earnings/call-transcripts/2026/10/16/home-bancshares-homb-q3-2026-earnings-call-transcript)) |
| [Glacier Bancorp (Guaranty Bank & Trust)](https://www.bankingnewsai.com/banks/glacier) | Not disclosed | [Index 2 (#117); 10 use cases, 7 in production](https://www.bankingnewsai.com/banks/glacier) | Glacier Bank invests in the Cari tokenised-deposit network (Sep 2, 2026) ([Cari via Business Wire (Morningstar)](https://morningstar.com/news/business-wire/20260902910423/cari-raises-over-30-million-in-first-tranche-of-initial-funding-round-backed-entirely-by-banks)) |
| [Hilltop Holdings (PlainsCapital Bank)](https://www.bankingnewsai.com/banks/hilltop) | Not disclosed | [Index 30.7 (#87); 9 use cases, 6 in production](https://www.bankingnewsai.com/banks/hilltop) | HilltopSecurities survey: 50% of public finance leaders use AI daily or weekly (Oct 7, 2026) ([Business Wire (Yahoo Finance)](https://finance.yahoo.com/economy/policy/articles/public-finance-leaders-embrace-innovation-120000828.html)) |
| [Simmons Bank](https://www.bankingnewsai.com/banks/simmons) | Not disclosed | [Index 3.6 (#106); 10 use cases, 8 in production](https://www.bankingnewsai.com/banks/simmons) | Q3 2026 call: technology and automation 'barely scratching the surface' (Oct 16, 2026) ([earnings call transcript (The Motley Fool)](https://fool.com/earnings/call-transcripts/2026/10/16/simmons-first-sfnc-q3-2026-earnings-call-transcript)) |
| [Texas Capital](https://www.bankingnewsai.com/banks/texas-capital) | Ranger in-house multi-LLM platform; agents in loan operations and fraud ([The Motley Fool (Yahoo Finance)](https://finance.yahoo.com/markets/stocks/articles/texas-capital-tcbi-q1-2026-155141524.html)) | [Index 49.1 (#60); 12 use cases, 8 in production](https://www.bankingnewsai.com/banks/texas-capital) | Chief risk officer departs; chief credit officer steps in (Sep 16, 2026) ([SEC EDGAR](https://www.sec.gov/Archives/edgar/data/1077428/000107742826000063/tcbi-20260916.htm)) |
| Asset-based non-bank lenders | Not disclosed | No profile | Not disclosed |
| Small loan companies and consumer finance companies | Not disclosed | No profile | Not disclosed |
| [PrimeLending (Hilltop)](https://www.bankingnewsai.com/banks/hilltop) | 15 AI 'MoBots' that re-verify account information and validate processes ([HousingWire](https://housingwire.com/winner-profile/2024-tech-trendsetter-kimberly-hartsough)) | [Index 30.7 (#87); 9 use cases, 6 in production](https://www.bankingnewsai.com/banks/hilltop) | HilltopSecurities survey: 50% of public finance leaders use AI daily or weekly (Oct 7, 2026) ([Business Wire (Yahoo Finance)](https://finance.yahoo.com/economy/policy/articles/public-finance-leaders-embrace-innovation-120000828.html)) |
| Mortgage banking companies | Not disclosed | No profile | Not disclosed |
| Credit unions | Not disclosed | No profile | Not disclosed |
| [Chime](https://www.bankingnewsai.com/fintech/chime) | AI handles roughly 70% of member-support interactions (January 2026) ([Chime](https://www.chime.com/newsroom/news/how-chime-is-using-ai-to-rewire-financial-services/)) | [8 use cases, 6 in production](https://www.bankingnewsai.com/fintech/chime) | Agreement to acquire Stride Bank (Sep 8, 2026) ([Chime](https://investors.chime.com/news-releases/news-release-details/chime-announces-agreement-acquire-stride-bank)) |
| [JPMorgan Chase](https://www.bankingnewsai.com/banks/jpmorgan-chase) | Smart Cash AI cash tool in a targeted pilot (October 2026) ([Banking Dive](https://www.bankingdive.com/news/jpmorgan-dimon-ai-agents-bank-customers-liability-transfer/832870)) | [Index 89 (#6); 15 use cases, 8 in production](https://www.bankingnewsai.com/banks/jpmorgan-chase) | Q3 2026 call: outside AI agents stay blocked; AI spend put near $700 million (Oct 13, 2026) ([CNBC](https://www.cnbc.com/2026/10/13/jpmorgan-ai-agents-account-access.html), [Banking Dive](https://www.bankingdive.com/news/jpmorgan-dimon-ai-agents-bank-customers-liability-transfer/832870), [American Banker](https://www.americanbanker.com/news/jpmorgan-warns-of-risks-to-consumers-who-rely-on-ai-agents)) |
| Money market mutual funds | Not disclosed | No profile | Not disclosed |
| [Frost Investment Services and Frost wealth](https://www.bankingnewsai.com/banks/frost) | Frost mobile app and Blend digital origination ([Banking Dive](https://www.bankingdive.com/news/ai-mobile-banking-apps-digital-customer-experience-frost-bank/738610/), [Business Wire via FT Markets](https://markets.ft.com/data/announce/full?dockey=600-202608180800BIZWIRE_USPRX____20260818_BW315276-1), [Business Wire via FT Markets](https://markets.ft.com/data/announce/full?dockey=600-202608200800BIZWIRE_USPRX____20260820_BW158280-1), [Cullen/Frost Bankers (SEC filings)](https://www.sec.gov/Archives/edgar/data/39263/000003926326000049/a2q-2026finalinvestorpre.htm)) | [Index 49.3 (#58); 9 use cases, 7 in production](https://www.bankingnewsai.com/banks/frost) | Blend 'Ecosystem Expander' award (Aug 27, 2026) ([Business Wire via Yahoo Finance](https://finance.yahoo.com/small-business/articles/blend-honors-seven-customers-best-200000530.html)) |
| Securities brokers | Not disclosed | No profile | Not disclosed |

## Who should look beyond First Financial Bankshares, and where?

| If you are | Look at | Why |
| --- | --- | --- |
| Customers who want branches across all of Texas's big metros | [Prosperity or Frost](https://www.bankingnewsai.com/banks/prosperity) | First Financial's 79 financial centers are mainly in Central, North Central, Southeast and West Texas, and its first full-service Austin-area branch opens in late October 2026. Prosperity reports 61 Dallas-Fort Worth and 62 Houston-area locations, and Frost is adding about 15 Texas branches in 2026. ([First Financial Bankshares (SEC filing)](https://www.sec.gov/Archives/edgar/data/36029/000119312526071549/ffin-20251231.htm), [First Financial Bankshares (PR Newswire)](https://www.prnewswire.com/news-releases/first-financial-bank-to-open-first-full-service-branch-in-austin-area-with-new-bee-cave-branch-302893317.html), [Prosperity Bancshares (SEC filings)](https://www.sec.gov/Archives/edgar/data/1068851/000119312526077437/pb-20251231.htm), [Banking Dive](https://www.bankingdive.com/news/frost-bank-texas-growth-mergers-acquisitions-fifth-third-huntington/811110/)) |
| Businesses that want fast digital onboarding for commercial accounts | [Texas Capital](https://www.bankingnewsai.com/banks/texas-capital) | Texas Capital built Initio, a proprietary cloud-native system for opening commercial accounts, which it says cut an estimated 40-day industry process to a few days. First Financial discloses no comparable digital onboarding system. ([American Banker](https://americanbanker.com/news/streamlining-commercial-banking-nancy-mcdonnell), [First Financial Bankshares (SEC filing)](https://www.sec.gov/Archives/edgar/data/36029/000119312526071549/ffin-20251231.htm)) |
| Customers who want an AI-assisted service experience | [Frost](https://www.bankingnewsai.com/banks/frost) | Frost's contact-center representatives use a LivePerson AI co-pilot, and its digital account opening on Blend reached 80% completion in 2026. First Financial describes no customer-facing AI. ([Bank Automation News](https://bankautomationnews.com/allposts/ai/inside-look-frost-banks-ai-and-payments-strategy), [Business Wire via FT Markets](https://markets.ft.com/data/announce/full?dockey=600-202608180800BIZWIRE_USPRX____20260818_BW315276-1), [First Financial Bankshares (SEC filing)](https://www.sec.gov/Archives/edgar/data/36029/000119312526071549/ffin-20251231.htm)) |
| Customers who want a branchless, app-only account | [Chime](https://www.bankingnewsai.com/fintech/chime) | First Financial competes on personalized service delivered locally. Chime avoids branches, had 10.4 million active members at June 30, 2026, and runs AI on roughly 70% of member-support interactions. ([First Financial Bankshares (SEC filing)](https://www.sec.gov/Archives/edgar/data/36029/000119312526071549/ffin-20251231.htm), [Chime](https://investors.chime.com/news-releases/news-release-details/chime-reports-second-quarter-2026-financial-results), [Chime](https://www.chime.com/newsroom/news/how-chime-is-using-ai-to-rewire-financial-services/)) |
| Clients who want brokerage under the bank's own roof | [A bank with an in-house broker-dealer, such as Hilltop](https://www.bankingnewsai.com/banks/hilltop) | First Financial provides securities brokerage only through an arrangement with an unrelated third party in its Abilene and San Angelo regions. Hilltop runs its own broker-dealers, Hilltop Securities and Momentum Independent Network. ([First Financial Bankshares (SEC filing)](https://www.sec.gov/Archives/edgar/data/36029/000119312526071549/ffin-20251231.htm), [Hilltop Holdings (SEC filing)](https://www.sec.gov/Archives/edgar/data/1265131/000110465926015264/hth-20251231x10k.htm)) |

## Which banks does First Financial itself position against?

First Financial's Q1 2025 investor presentation lists thirteen Texas banks and their key markets under 'FFIN's Unique Positioning in Texas'. Four of them have since been acquired, which is the clearest change in its competitive field.

| Bank named by First Financial | Key markets (its presentation) | Since then | Source date |
| --- | --- | --- | --- |
| Frost | San Antonio, Austin, Corpus Christi, DFW, Rio Grande, West Texas | About 15 new Texas branches planned for 2026 | January 2026 ([First Financial Bankshares](https://ffin.com/getContentAsset/ec32f562-b4c0-4f29-a7ae-93d6b2f9cde2/79aed02a-f53a-4b45-a005-7f7876d29103/Investor-Presentation-1st-QTR-2025-FINAL.pdf?language=es-MX), [Banking Dive](https://www.bankingdive.com/news/frost-bank-texas-growth-mergers-acquisitions-fifth-third-huntington/811110/)) |
| Prosperity | Houston, DFW, Austin, West Texas, South Central Texas, Oklahoma | Agreed a $2 billion merger with Stellar, another bank on the list | January 2026 ([First Financial Bankshares](https://ffin.com/getContentAsset/ec32f562-b4c0-4f29-a7ae-93d6b2f9cde2/79aed02a-f53a-4b45-a005-7f7876d29103/Investor-Presentation-1st-QTR-2025-FINAL.pdf?language=es-MX), [American Banker](https://www.americanbanker.com/news/prosperity-to-acquire-rival-houston-bank-in-2-billion-deal)) |
| Stellar | Houston, Beaumont, Dallas | Being acquired by Prosperity; systems conversion planned for March 2027 | July 2026 ([First Financial Bankshares](https://ffin.com/getContentAsset/ec32f562-b4c0-4f29-a7ae-93d6b2f9cde2/79aed02a-f53a-4b45-a005-7f7876d29103/Investor-Presentation-1st-QTR-2025-FINAL.pdf?language=es-MX), [American Banker](https://www.americanbanker.com/news/prosperity-to-acquire-rival-houston-bank-in-2-billion-deal), [Yahoo Finance](https://finance.yahoo.com/markets/stocks/articles/prosperity-bancshares-pb-q2-2026-004414452.html)) |
| Guaranty | Dallas, East Texas, Bryan | Acquired by Glacier, closing October 1, 2025 | October 2025 ([First Financial Bankshares](https://ffin.com/getContentAsset/ec32f562-b4c0-4f29-a7ae-93d6b2f9cde2/79aed02a-f53a-4b45-a005-7f7876d29103/Investor-Presentation-1st-QTR-2025-FINAL.pdf?language=es-MX), [Glacier Bancorp (GlobeNewswire)](https://globenewswire.com/news-release/2025/10/01/3159604/21011/en/Glacier-Bancorp-Completes-Acquisition-of-Guaranty-Bancshares-Inc-in-Mount-Pleasant-Texas.html)) |
| Veritex | Dallas, Houston, Austin | Acquired by Huntington, closing in October 2025 | October 2025 ([First Financial Bankshares](https://ffin.com/getContentAsset/ec32f562-b4c0-4f29-a7ae-93d6b2f9cde2/79aed02a-f53a-4b45-a005-7f7876d29103/Investor-Presentation-1st-QTR-2025-FINAL.pdf?language=es-MX), [Dallas Business Journal](https://bizjournals.com/dallas/news/2025/10/27/huntington-veritex-cadence-integration.html)) |
| Comerica | DFW, Austin, Houston, California, Michigan, Florida, Mexico | Acquired by Fifth Third, closing February 1, 2026 | February 2026 ([First Financial Bankshares](https://ffin.com/getContentAsset/ec32f562-b4c0-4f29-a7ae-93d6b2f9cde2/79aed02a-f53a-4b45-a005-7f7876d29103/Investor-Presentation-1st-QTR-2025-FINAL.pdf?language=es-MX), [Fifth Third](https://53.com/content/fifth-third/en/media-center/press-releases/2026/press-release-2026-09-08.html)) |
| Texas Capital | DFW, Austin, San Antonio, Houston | Ranger AI platform used by about 80% of staff (April 2026) | April 2026 ([First Financial Bankshares](https://ffin.com/getContentAsset/ec32f562-b4c0-4f29-a7ae-93d6b2f9cde2/79aed02a-f53a-4b45-a005-7f7876d29103/Investor-Presentation-1st-QTR-2025-FINAL.pdf?language=es-MX), [The Motley Fool (Yahoo Finance)](https://finance.yahoo.com/markets/stocks/articles/texas-capital-tcbi-q1-2026-155141524.html)) |
| Hilltop Holdings | DFW, Lubbock, Austin, San Antonio, Houston, Corpus Christi | Banking substantially all in Texas through PlainsCapital Bank | February 2026 ([First Financial Bankshares](https://ffin.com/getContentAsset/ec32f562-b4c0-4f29-a7ae-93d6b2f9cde2/79aed02a-f53a-4b45-a005-7f7876d29103/Investor-Presentation-1st-QTR-2025-FINAL.pdf?language=es-MX), [Hilltop Holdings (SEC filing)](https://www.sec.gov/Archives/edgar/data/1265131/000110465926015264/hth-20251231x10k.htm)) |
| International Bancshares, Origin, Southside, Triumph, South Plains Financial | Rio Grande and Houston; Dallas and Louisiana; East Texas and Fort Worth; Dallas; Lubbock, Dallas, Houston and West Texas | Not profiled on this site | May 2025 ([First Financial Bankshares](https://ffin.com/getContentAsset/ec32f562-b4c0-4f29-a7ae-93d6b2f9cde2/79aed02a-f53a-4b45-a005-7f7876d29103/Investor-Presentation-1st-QTR-2025-FINAL.pdf?language=es-MX)) |

## How does First Financial's Texas network compare with its rivals'?

Branch or location counts as each bank reports them, with the date.

| Bank | Texas footprint on the record | Overlap with First Financial | As of |
| --- | --- | --- | --- |
| First Financial Bankshares | 79 financial centers, mainly Central, North Central, Southeast and West Texas; ten in Abilene; trust company in nine Texas cities | - | December 31, 2025 ([First Financial Bankshares (SEC filing)](https://www.sec.gov/Archives/edgar/data/36029/000119312526071549/ffin-20251231.htm)) |
| Prosperity | 283 locations in Texas and Oklahoma: 62 Houston, 61 Dallas-Fort Worth, 45 West Texas (incl. Abilene), 31 Central Texas, 15 Bryan/College Station | West Texas, Bryan/College Station, Central Texas | December 31, 2025 ([Prosperity Bancshares (SEC filings)](https://www.sec.gov/Archives/edgar/data/1068851/000119312526077437/pb-20251231.htm)) |
| Home BancShares | 59 Texas branches of 226 | Texas | April 1, 2026 ([Home BancShares (GlobeNewswire via Yahoo Finance)](https://finance.yahoo.com/markets/stocks/articles/home-bancshares-inc-announces-completion-121500941.html)) |
| Glacier | 33 locations in 26 Texas communities from Guaranty | Texas | October 1, 2025 ([Glacier Bancorp (GlobeNewswire)](https://globenewswire.com/news-release/2025/10/01/3159604/21011/en/Glacier-Bancorp-Completes-Acquisition-of-Guaranty-Bancshares-Inc-in-Mount-Pleasant-Texas.html)) |
| Frost | About 15 new Texas branches planned for 2026 | Texas | January 2026 ([Banking Dive](https://www.bankingdive.com/news/frost-bank-texas-growth-mergers-acquisitions-fifth-third-huntington/811110/)) |

## Common questions

### Who are First Financial Bankshares' biggest competitors?

In Texas banking, Prosperity (45 West Texas locations including Abilene), Frost, Home BancShares' Centennial Bank, Glacier's Guaranty division and Hilltop's PlainsCapital Bank. First Financial's 10-K also names credit unions, small loan companies, mortgage companies, insurers, fintech, brokers, money market funds and asset-based non-bank lenders. ([Prosperity Bancshares (SEC filings)](https://www.sec.gov/Archives/edgar/data/1068851/000119312526077437/pb-20251231.htm), [Banking Dive](https://www.bankingdive.com/news/frost-bank-texas-growth-mergers-acquisitions-fifth-third-huntington/811110/), [Home BancShares (GlobeNewswire via Yahoo Finance)](https://finance.yahoo.com/markets/stocks/articles/home-bancshares-inc-announces-completion-121500941.html), [Glacier Bancorp (GlobeNewswire)](https://globenewswire.com/news-release/2025/10/01/3159604/21011/en/Glacier-Bancorp-Completes-Acquisition-of-Guaranty-Bancshares-Inc-in-Mount-Pleasant-Texas.html), [Hilltop Holdings (SEC filing)](https://www.sec.gov/Archives/edgar/data/1265131/000110465926015264/hth-20251231x10k.htm), [First Financial Bankshares (SEC filing)](https://www.sec.gov/Archives/edgar/data/36029/000119312526071549/ffin-20251231.htm))

### Which banks does First Financial list as its Texas competitors?

Its Q1 2025 investor presentation lists Stellar, Comerica, Frost, Guaranty, International Bancshares, Origin, Prosperity, Southside, Texas Capital, Triumph, Veritex, South Plains Financial and Hilltop, with their key markets. Since then Guaranty went to Glacier, Veritex to Huntington and Comerica to Fifth Third, and Stellar agreed to merge with Prosperity. ([First Financial Bankshares](https://ffin.com/getContentAsset/ec32f562-b4c0-4f29-a7ae-93d6b2f9cde2/79aed02a-f53a-4b45-a005-7f7876d29103/Investor-Presentation-1st-QTR-2025-FINAL.pdf?language=es-MX), [Glacier Bancorp (GlobeNewswire)](https://globenewswire.com/news-release/2025/10/01/3159604/21011/en/Glacier-Bancorp-Completes-Acquisition-of-Guaranty-Bancshares-Inc-in-Mount-Pleasant-Texas.html), [Dallas Business Journal](https://bizjournals.com/dallas/news/2025/10/27/huntington-veritex-cadence-integration.html), [Fifth Third](https://53.com/content/fifth-third/en/media-center/press-releases/2026/press-release-2026-09-08.html), [American Banker](https://www.americanbanker.com/news/prosperity-to-acquire-rival-houston-bank-in-2-billion-deal))

### Is Prosperity Bank a competitor of First Financial in Abilene?

Yes. Prosperity's 2025 10-K lists 45 locations in West Texas, including Lubbock, Midland-Odessa, Abilene, Amarillo and Wichita Falls, and 15 in Bryan/College Station, both First Financial markets. Prosperity had 283 locations in all and agreed a $2 billion merger with Stellar in January 2026. ([Prosperity Bancshares (SEC filings)](https://www.sec.gov/Archives/edgar/data/1068851/000119312526077437/pb-20251231.htm), [American Banker](https://www.americanbanker.com/news/prosperity-to-acquire-rival-houston-bank-in-2-billion-deal))

### How big is First Financial's share of Texas deposits?

Small. Its 2025 10-K says it holds less than 1% of the state's deposits and represents a smaller segment of the Texas market. It had $15.31 billion of total assets at June 30, 2026 and 79 financial centers at the end of 2025, and says competition is less intense in the smaller markets it favors. ([First Financial Bankshares (SEC filing)](https://www.sec.gov/Archives/edgar/data/36029/000119312526071549/ffin-20251231.htm), [First Financial Bankshares (PR Newswire)](https://www.prnewswire.com/news-releases/first-financial-bankshares-announces-second-quarter-2026-earnings-302827948.html))

### Does First Financial compete with fintechs?

Its 10-K names 'Fintech' among the competitors its bank regions face, alongside asset-based non-bank lenders and money market funds. Chime, a branchless provider, had 10.4 million active members in June 2026 and says AI handles roughly 70% of its member-support interactions. ([First Financial Bankshares (SEC filing)](https://www.sec.gov/Archives/edgar/data/36029/000119312526071549/ffin-20251231.htm), [Chime](https://investors.chime.com/news-releases/news-release-details/chime-reports-second-quarter-2026-financial-results), [Chime](https://www.chime.com/newsroom/news/how-chime-is-using-ai-to-rewire-financial-services/))

### Who competes with First Financial in Austin?

First Financial announced its first full-service Austin-area branch, in Bee Cave, in September 2026, and its CEO called it an important step in its expansion across Texas in the October 2026 earnings release. Its 2025 presentation lists Frost, Prosperity, Texas Capital, Veritex, Comerica and Hilltop with Austin among their key markets. Prosperity counts 31 Central Texas locations including Austin and San Antonio, and Frost is adding about 15 Texas branches in 2026. ([First Financial Bankshares (PR Newswire)](https://www.prnewswire.com/news-releases/first-financial-bank-to-open-first-full-service-branch-in-austin-area-with-new-bee-cave-branch-302893317.html), [First Financial Bankshares via PR Newswire (Morningstar)](https://morningstar.com/news/pr-newswire/20261015da73530/first-financial-bankshares-announces-third-quarter-2026-earnings), [First Financial Bankshares](https://ffin.com/getContentAsset/ec32f562-b4c0-4f29-a7ae-93d6b2f9cde2/79aed02a-f53a-4b45-a005-7f7876d29103/Investor-Presentation-1st-QTR-2025-FINAL.pdf?language=es-MX), [Prosperity Bancshares (SEC filings)](https://www.sec.gov/Archives/edgar/data/1068851/000119312526077437/pb-20251231.htm), [Banking Dive](https://www.bankingdive.com/news/frost-bank-texas-growth-mergers-acquisitions-fifth-third-huntington/811110/))

### Who competes with First Financial in trust and wealth management?

Texas banks with wealth arms such as Frost, plus brokers and money managers. First Financial's trust company has nine Texas locations and has provided trust services since 1927; it offers brokerage only through a third-party arrangement in its Abilene and San Angelo regions. ([Frost Bank](https://www.frostbank.com/FormADVPart2A), [First Financial Bankshares (SEC filing)](https://www.sec.gov/Archives/edgar/data/36029/000119312526071549/ffin-20251231.htm))

## Peers on this site

- [Prosperity Bancshares AI strategy](https://www.bankingnewsai.com/banks/prosperity) · [vs peers](https://www.bankingnewsai.com/banks/prosperity/vs-peers)
- [Cullen/Frost Bankers AI strategy](https://www.bankingnewsai.com/banks/frost) · [vs peers](https://www.bankingnewsai.com/banks/frost/vs-peers)
- [Texas Capital Bancshares AI strategy](https://www.bankingnewsai.com/banks/texas-capital) · [vs peers](https://www.bankingnewsai.com/banks/texas-capital/vs-peers)
- [Hilltop Holdings AI strategy](https://www.bankingnewsai.com/banks/hilltop) · [vs peers](https://www.bankingnewsai.com/banks/hilltop/vs-peers)
- [Home BancShares (Centennial Bank) AI strategy](https://www.bankingnewsai.com/banks/home-bancshares) · [vs peers](https://www.bankingnewsai.com/banks/home-bancshares/vs-peers)
- [Glacier Bancorp AI strategy](https://www.bankingnewsai.com/banks/glacier) · [vs peers](https://www.bankingnewsai.com/banks/glacier/vs-peers)
- [First United Bank & Trust (Spend Life Wisely Company) AI strategy](https://www.bankingnewsai.com/banks/first-united) · [vs peers](https://www.bankingnewsai.com/banks/first-united/vs-peers)
- [Simmons First National Corporation AI strategy](https://www.bankingnewsai.com/banks/simmons) · [vs peers](https://www.bankingnewsai.com/banks/simmons/vs-peers)

## Sources

1. First Financial Bankshares, Inc. Form 10-K for the fiscal year ended December 31, 2025 — First Financial Bankshares (SEC filing), Feb 25, 2026. https://www.sec.gov/Archives/edgar/data/36029/000119312526071549/ffin-20251231.htm
2. Prosperity Bancshares Annual Report on Form 10-K for the fiscal year ended December 31, 2025 — Prosperity Bancshares (SEC filings), Feb 26, 2026. https://www.sec.gov/Archives/edgar/data/1068851/000119312526077437/pb-20251231.htm
3. Frost Bank sticks to organic growth as Texas M&A heats up — Banking Dive, Jan 29, 2026. https://www.bankingdive.com/news/frost-bank-texas-growth-mergers-acquisitions-fifth-third-huntington/811110/
4. Home BancShares, Inc. Announces Completion of the Acquisition of Mountain Commerce Bancorp, Inc. — Home BancShares (GlobeNewswire via Yahoo Finance), Apr 1, 2026. https://finance.yahoo.com/markets/stocks/articles/home-bancshares-inc-announces-completion-121500941.html
5. Glacier Bancorp Completes Acquisition of Guaranty Bancshares, Inc. in Mount Pleasant, Texas — Glacier Bancorp (GlobeNewswire), Oct 1, 2025. https://globenewswire.com/news-release/2025/10/01/3159604/21011/en/Glacier-Bancorp-Completes-Acquisition-of-Guaranty-Bancshares-Inc-in-Mount-Pleasant-Texas.html
6. Hilltop Holdings Inc. Form 10-K for the fiscal year ended December 31, 2025 — Hilltop Holdings (SEC filing), Feb 13, 2026. https://www.sec.gov/Archives/edgar/data/1265131/000110465926015264/hth-20251231x10k.htm
7. First Financial Bankshares Investor Presentation, 1st Quarter 2025 (FFIN's Unique Positioning in Texas) — First Financial Bankshares, May 1, 2025. https://ffin.com/getContentAsset/ec32f562-b4c0-4f29-a7ae-93d6b2f9cde2/79aed02a-f53a-4b45-a005-7f7876d29103/Investor-Presentation-1st-QTR-2025-FINAL.pdf?language=es-MX
8. Chime Reports Second Quarter 2026 Financial Results — Chime, Aug 5, 2026. https://investors.chime.com/news-releases/news-release-details/chime-reports-second-quarter-2026-financial-results
9. Prosperity to acquire rival Houston bank in $2 billion deal — American Banker, Jan 28, 2026. https://www.americanbanker.com/news/prosperity-to-acquire-rival-houston-bank-in-2-billion-deal
10. FIRST FINANCIAL BANK TO OPEN FIRST FULL-SERVICE BRANCH IN AUSTIN AREA WITH NEW BEE CAVE BRANCH — First Financial Bankshares (PR Newswire), Sep 29, 2026. https://www.prnewswire.com/news-releases/first-financial-bank-to-open-first-full-service-branch-in-austin-area-with-new-bee-cave-branch-302893317.html
11. Home ends dry spell with $150M deal for Tennessee bank — American Banker, Dec 8, 2025. https://americanbanker.com/news/home-ends-dry-spell-with-150m-deal-for-tennessee-bank
12. Glacier Bancorp (GBCI) Q1 2026 Earnings Transcript — earnings call transcript (The Motley Fool), Apr 24, 2026. https://fool.com/earnings/call-transcripts/2026/04/24/glacier-bancorp-gbci-q1-2026-earnings-transcript
13. Simmons First National Corporation Annual Report on Form 10-K for the fiscal year ended December 31, 2025 — Simmons First National (SEC filings), Feb 25, 2026. https://www.sec.gov/Archives/edgar/data/90498/000162828026011618/sfnc-20251231.htm
14. Bank leaders say North Texas remains a magnet for capital and talent — Dallas Business Journal, Feb 13, 2026. https://bizjournals.com/dallas/news/2026/02/13/bank-leaders-north-texas-capital-talent.html
15. A Look Ahead with Rob C. Holmes — 2026 — Texas Capital, Jan 7, 2026. https://texascapitalbank.com/insights/look-ahead-rob-c-holmes-2026
16. Chime Financial, Inc. Annual Report on Form 10-K for the fiscal year ended December 31, 2025 — Chime via SEC EDGAR, Mar 6, 2026. https://www.sec.gov/Archives/edgar/data/1795586/000179558626000013/chym-20251231.htm
17. JPMorgan Chase & Co. Annual Report on Form 10-K for the year ended December 31, 2025 — JPMorgan Chase & Co. (SEC filings), Feb 13, 2026. https://www.sec.gov/Archives/edgar/data/19617/000162828026008131/jpm-20251231.htm
18. Form ADV Part 2A - Frost Investment Services, LLC firm brochure — Frost Bank, Mar 25, 2026. https://www.frostbank.com/FormADVPart2A
19. Prosperity Bancshares (PB) Q2 2026 Earnings Call — Yahoo Finance, Aug 7, 2026. https://finance.yahoo.com/markets/stocks/articles/prosperity-bancshares-pb-q2-2026-004414452.html
20. Prosperity Bancshares Quarterly Report on Form 10-Q for the quarter ended June 30, 2026 — Prosperity Bancshares (SEC filings), Aug 6, 2026. https://www.sec.gov/Archives/edgar/data/1068851/000119312526338254/pb-20260630.htm
21. Frost Bank Achieves 60% Increase in Digital Account Openings With Blend — Business Wire via FT Markets, Aug 18, 2026. https://markets.ft.com/data/announce/full?dockey=600-202608180800BIZWIRE_USPRX____20260818_BW315276-1
22. Inside look: Frost Bank's AI and payments strategy — Bank Automation News, Jul 29, 2024. https://bankautomationnews.com/allposts/ai/inside-look-frost-banks-ai-and-payments-strategy
23. Blend Honors Seven Customers With Best in Banking Awards at Forum 2026 — Business Wire via Yahoo Finance, Aug 27, 2026. https://finance.yahoo.com/small-business/articles/blend-honors-seven-customers-best-200000530.html
24. Home BancShares (HOMB) Q3 2026 Earnings Call Transcript — earnings call transcript (The Motley Fool), Oct 15, 2026. https://www.fool.com/earnings/call-transcripts/2026/10/16/home-bancshares-homb-q3-2026-earnings-call-transcript
25. Cari Raises Over $30 Million in First Tranche of Initial Funding Round, Backed Entirely by Banks — Cari via Business Wire (Morningstar), Sep 2, 2026. https://morningstar.com/news/business-wire/20260902910423/cari-raises-over-30-million-in-first-tranche-of-initial-funding-round-backed-entirely-by-banks
26. Public Finance Leaders Embrace Innovation While Capacity Constraints Persist, 2026 HilltopSecurities Survey Finds — Business Wire (Yahoo Finance), Oct 7, 2026. https://finance.yahoo.com/economy/policy/articles/public-finance-leaders-embrace-innovation-120000828.html
27. Simmons First (SFNC) Q3 2026 Earnings Call Transcript — earnings call transcript (The Motley Fool), Oct 16, 2026. https://fool.com/earnings/call-transcripts/2026/10/16/simmons-first-sfnc-q3-2026-earnings-call-transcript
28. Texas Capital (TCBI) Q1 2026 Earnings Transcript — The Motley Fool (Yahoo Finance), Apr 23, 2026. https://finance.yahoo.com/markets/stocks/articles/texas-capital-tcbi-q1-2026-155141524.html
29. Form 8-K: departure of Chief Risk Officer (Item 5.02) — SEC EDGAR, Sep 16, 2026. https://www.sec.gov/Archives/edgar/data/1077428/000107742826000063/tcbi-20260916.htm
30. 2024 Tech Trendsetter: Kimberly Hartsough — HousingWire, Nov 1, 2024. https://housingwire.com/winner-profile/2024-tech-trendsetter-kimberly-hartsough
31. How Chime Is Using AI to Rewire Financial Services — Chime, Jan 9, 2026. https://www.chime.com/newsroom/news/how-chime-is-using-ai-to-rewire-financial-services/
32. Chime Announces Agreement to Acquire Stride Bank — Chime, Sep 8, 2026. https://investors.chime.com/news-releases/news-release-details/chime-announces-agreement-acquire-stride-bank
33. JPMorgan CEO Dimon warns customers of 'liability transfer' with AI — Banking Dive, Oct 13, 2026. https://www.bankingdive.com/news/jpmorgan-dimon-ai-agents-bank-customers-liability-transfer/832870
34. JPMorgan Chase blocks outside AI agents like Muse, Instinct from directly accessing accounts — CNBC, Oct 13, 2026. https://www.cnbc.com/2026/10/13/jpmorgan-ai-agents-account-access.html
35. JPMorgan warns of risks to consumers who rely on AI agents — American Banker, Oct 13, 2026. https://www.americanbanker.com/news/jpmorgan-warns-of-risks-to-consumers-who-rely-on-ai-agents
36. Frost Bank exec: AI to usher in simpler mobile banking era — Banking Dive, Jan 29, 2025. https://www.bankingdive.com/news/ai-mobile-banking-apps-digital-customer-experience-frost-bank/738610/
37. Early Production Results for Blend's Autopilot Show What Agentic AI Means For Lending — Business Wire via FT Markets, Aug 20, 2026. https://markets.ft.com/data/announce/full?dockey=600-202608200800BIZWIRE_USPRX____20260820_BW158280-1
38. Cullen/Frost Q2 2026 investor presentation (Form 8-K, Exhibit 99.1) — Cullen/Frost Bankers (SEC filings), Aug 17, 2026. https://www.sec.gov/Archives/edgar/data/39263/000003926326000049/a2q-2026finalinvestorpre.htm
39. Streamlining commercial banking: Nancy McDonnell — American Banker, Jun 24, 2024. https://americanbanker.com/news/streamlining-commercial-banking-nancy-mcdonnell
40. On heels of two big deals, Huntington Bank sees Texas as 'springboard' — Dallas Business Journal, Oct 27, 2025. https://bizjournals.com/dallas/news/2025/10/27/huntington-veritex-cadence-integration.html
41. Fifth Third Completes Comerica Technology and Brand Conversion — Fifth Third, Sep 8, 2026. https://53.com/content/fifth-third/en/media-center/press-releases/2026/press-release-2026-09-08.html
42. FIRST FINANCIAL BANKSHARES ANNOUNCES SECOND QUARTER 2026 EARNINGS — First Financial Bankshares (PR Newswire), Jul 16, 2026. https://www.prnewswire.com/news-releases/first-financial-bankshares-announces-second-quarter-2026-earnings-302827948.html
43. First Financial Bankshares Announces Third Quarter 2026 Earnings — First Financial Bankshares via PR Newswire (Morningstar), Oct 15, 2026. https://morningstar.com/news/pr-newswire/20261015da73530/first-financial-bankshares-announces-third-quarter-2026-earnings

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